Car Finance.
You've found the car. Now you need the finance - at a rate that doesn't make you regret the purchase. Co-Pilot Finance & Insurance compares car loans, leases, and balloon payment options across 60+ lenders - new or used, first-time buyer or refinancing - to get you approved on terms that actually work.
Get a free quote
Won't affect your credit score.
What can we help you with?
Our Services
Car finance options - loans, leases, and balloon payments for Australian buyers
Whether you're buying your first car, upgrading to something newer, or refinancing an existing loan, Co-Pilot Finance & Insurance compares options across 60+ lenders to find the right deal for your situation.
New Car Loans
Finance a brand-new vehicle with competitive interest rates and flexible loan terms. Co-Pilot compares across 60+ lenders to secure the most favourable structure for your purchase.
Used Car Loans
Get a top second-hand vehicle with transparent, reliable funding procedures that match your budget while offering access to a wide range of quality used cars across Australia.
Low-Interest Car Loans
Save money over the life of your loan with a low-interest car finance option. We compare rates across our full lender panel to minimise your overall borrowing cost.
Car Lease Agreements
Drive the vehicle you want through a structured lease arrangement with lower monthly payments. Co-Pilot explains the trade-offs and finds the right lease structure for your needs.
Refinancing Options
Restructure your current car loan to reduce monthly repayments or secure a better rate. We assess your existing arrangement and compare it against the market to find genuine savings.
Balloon Payment Options
Reduce your regular repayments by deferring a portion of the loan to the end of the term. Co-Pilot structures balloon payment loans to match your cash flow and end-of-term goals.
Run The Numbers
Calculate your car finance repayments
Enter your loan details
Estimated monthly repayment
$683.05
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
What You Can Finance
Which vehicles we finance - new, used, EV, and prestige
Car finance through Co-Pilot covers a wide range of vehicles - from everyday family cars to prestige models and electric vehicles - new or used.
Eligibility
Car finance eligibility - what lenders in Australia look for
Most Australians with stable income and a reasonable credit history can access car finance. Co-Pilot works across a broad range of borrower profiles - including those with imperfect credit.
Residency
Must be an Australian citizen or permanent resident (some lenders accept eligible visa holders).
Age
Must be 18 years or older at the time of application.
Employment & Income
Stable employment or a verifiable income source sufficient to service the loan.
Credit Score
A good credit history is preferred - Co-Pilot works across a broad range of credit profiles including imperfect histories.
Income Capacity
Demonstrated ability to meet repayments relative to your income and existing financial commitments.
Why Co-Pilot
Why Co-Pilot for car finance - not just any broker
We work for you, not the lender
Co-Pilot is an independent broker. We're not tied to any dealer or bank - so the finance we recommend is the one that suits your situation, not the one that earns a referral fee.
Lender relationships that open doors
With 60+ lenders on our panel, we find options and rates that aren't available at the dealership or if you go direct - including specialists for EVs, prestige vehicles, and imperfect credit.
Honest advice on loans, leases, and balloon payments
Each structure has different tax, ownership, and cash-flow implications. We explain the trade-offs for your specific vehicle and situation before you commit.
Clear communication, no surprises
You'll know where your application stands at every step - from pre-approval through to keys in hand. We manage the process so you can focus on choosing the right car.
Car finance - how it works
Tell us the car and your situation. We find the finance.
We assess your profile - income, credit history, deposit, and the vehicle itself - then run it across 60+ lenders to find the loan structure that actually works for you: the right rate, term, and whether a balloon payment makes sense.
No hard credit enquiry until you're ready to proceed. Most approvals come back within 24-48 hours. We handle the paperwork so you can focus on picking up the keys.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Car Finance
Found the car?
Let's get the finance sorted.
Tell us the vehicle and your situation. We compare 60+ lenders - loan, lease, or balloon - to find the right structure for you.